Chinese Life 66 Hongyun Type A Insurance 98 Edition Spread Return Type

Chinese life. 66 Hongyun type A insurance is an education insurance, the insured is a minor at the time of insurance, and the insured starts to receive it at the age of 18, and the insured is an adult and can go to receive it within the scope of insurance. The other insurance is unreliable, mainly focusing on the content of protection, as long as it is the China Banking and Insurance Regulatory Commission.

The insurance companies approved to operate, no matter how big or small, are regulated and protected by the CBIRC, so the platform does not affect the reliability of buying insurance.

2.If you don't have a card, you can go to the counter to pick up cash. Chinese Life 66 Hongyun Type A Insurance During the validity period of the contract, the insurance liability clause is as follows:

1. On the effective date when the insured survives to the age of one, the company shall pay the education insurance premium at the rate of 12% of the basic sum insured every year.

2. On the effective date when the insured survives to the age of 25, the company shall pay the marriage insurance benefit at 52% of the basic sum insured, and this contract shall be terminated.

3. In the event of the death of the insured, the company shall pay the death insurance benefit according to the basic sum assured, and refund the insurance premium paid without interest, and this contract shall be terminated.

4. If the insured is highly disabled, the Company shall pay the high disability insurance benefit according to the basic sum insured (the insurance payment shall be limited to one time), and this contract shall continue to be valid.

5. In the event of the death or high physical disability of the insured, if the insured survives from the date of death or determination of the insured's high physical disability, the company will pay a growth annuity at the rate of 5 of the basic sum insured on the effective date of each year until the effective date of the insured's 21 years of age.

If the insured dies or has a high degree of physical disability during the payment period, the insurance premiums for subsequent periods shall be waived from the date of death or determination of high physical disability, and this contract shall continue to be valid.

Extended Information: How to Choose an Insurance?

There are indeed many kinds of insurance, but there are only 4 types that can really be used - critical illness insurance.

Million Medical + Accident + Term Life Insurance.

How to choose depends mainly on your own needs, generally speaking, children can remove or reduce life insurance, adults all want:

1. If you meet the conditions for claim after getting sick from critical illness insurance, you can directly pay a sum of money to make up for the loss of work caused by the shutdown, which can be used as ** expenses, living expenses, etc., which can be used freely.

2. Million medical insurance: solve large medical expenses. After being hospitalized, you can reimburse up to 200w of medical expenses, which will be reimbursed.

3. Accident insurance: to protect the death or disability caused by accidents such as car accidents and drowning, and to pay a one-time compensation for hospitalization and outpatient expenses.

4. Term life insurance: If the family economic pillar is allocated, the insurance company will pay a lump sum of money to the family to maintain their lives.

If the money received at the age of 20 is handled by the child himself, and he did not withdraw the cash, it is a bank transfer, and the money that will be returned when it expires in the future does not need to be withdrawn, and it is directly in the card. If it is a ** person to handle it, you only transfer the money once, and you have to handle it.

The easy way is:

1. One week after the date of withdrawing money, you go to the bank to draw the card on your ATM to see if the money has arrived. The child brought his ID card, bank card and insurance policy to the company's business hall to withdraw money and transfer money.

Call ** to ask, China Life customer service 95519

This is Chinese life.

There was no bonus in the pension insurance, and the insurance at that time was without dividends. The meaning of the spread return is this: because the bank interest rate at that time was relatively high, the premium at that time was calculated at the 5% interest rate of the first year, and the insurance clause of Chinese Life in 98 had a "calculation and payment of the policy interest rate", in which the spine was clearly written:

At the end of each policy year during the term of the contract, if the "Bank 2-Year Time Savings Deposit Rate" for that policy year.

If it is more than 5%, the Company will multiply the difference by the cash value of the policy.

Calculate policy spreads. Spreads are compounded.

It is included in the cash value and is paid together when it is collected.

This means that when the bank's two-year deposit rate is higher than 5%, the insurance company will compensate according to the cash value of the policy.

Although there is no dividend for 98 years of insurance, the insurance premium is relatively low because the interest rate used when designing the cost is relatively high (5%), so it is still very suitable compared to the current policy.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. Maturity Insurance: If the insurance is still alive at the expiration of the insurance period, the insurance company shall pay the insurance insurance premium at maturity according to the monthly insurance payment amount corresponding to the basic insurance amount of the main insurance contract at the expiration of the insurance contract 12 150% of the number of payment years, and the main insurance contract shall be terminated. 2. Death Benefit:

In the event of death before the policy anniversary of the age of 18, the insurance company shall pay the monthly premium corresponding to the basic sum insured of the main insurance contract at the time of death Number of policy years (after the expiration of the premium payment period, the number of payment years) 12 100% of the death benefit will be paid, and the main insurance contract will be terminated; In the event of death on or after the policy anniversary of the 18th birthday, the insurance company will pay the monthly premium corresponding to the basic sum assured of the main insurance contract at the time of death The number of policy years (the number of years after the expiration of the premium payment period) 12 150% of the death benefit, and the main insurance contract will be terminated.

Summary. There are three ways to receive a pension, 1. A one-time pension is received at twice the basic insurance amount. (The sum insured is 20,000 yuan, and you can receive 40,000 yuan at one time).

2. Receive a fixed amount every year. The insured person receives a pension every year on the corresponding date of entry into force until his or her death. The amount of pension is calculated in accordance with the provisions of Schedule I.

If the insured person dies after receiving the pension for less than 10 years, the beneficiary of the death benefit can receive a lump sum pension for the remaining years of the 10 years.

3. Increase the amount year by year. The insured person receives a pension every year on the corresponding date of entry into force until his or her death. The amount of pension received in the first year shall be calculated in accordance with the provisions of Schedule II, and shall be increased by 5% of the amount received in the first year on the basis of the amount received in the previous year in each subsequent year.

If the insured person dies after receiving the pension for less than 10 years, the beneficiary of the death benefit can receive a lump sum pension for the remaining years of the 10 years.

4.The first type of claim is the principal. The second and third are to live long and receive long. The second and third are all about the same. (But the length of life cannot be calculated).

Chinese Shouhong Life Pension Insurance 98 version of the spread return type, how to receive insurance premiums? How much can I receive each year.

There are three ways to receive a pension, 1. A one-time pension is received at twice the basic insurance amount. (The insured amount of 20,000 yuan can receive 40,000 yuan at one time) 2. Receive a fixed amount every year. The insured person receives a pension every year on the corresponding date of entry into force until his or her death.

The amount of pension is calculated in accordance with the provisions of Schedule I. If the insured person dies after receiving the pension for less than 10 years, the beneficiary of the death benefit can receive a lump sum pension for the remaining years of the 10 years. 3. Increase the amount year by year.

The insured person receives a pension every year on the corresponding date of entry into force until his or her death. The amount of pension received in the first year shall be calculated in accordance with the provisions of Schedule II, and shall be increased by 5% of the amount received in the first year on the basis of the amount received in the previous year in each subsequent year. If the insured dies less than 10 years after receiving the pension, the beneficiary of the death insurance benefit can receive a one-time pension for the remaining years within 10 years.

4.The first type of claim is the principal. The third of the second source is to live a long time and receive a long time.

The second and third are all about the same. (But the length of life cannot be calculated).

I have an insurance amount of 50,000 yuan, pay 3,250 yuan a year, and pay 20 years, how much can I get after a year of retirement.

This you can directly consult the customer service of life Oh, because it is according to your insurance at that time and lead together, this side can not make calculations, Chinese lack of good life customer service ** shed good 95519

Can I change the fixed one-year payment to a one-time payment?

What does Chinese Life Insurance 66 Hongyun Type B Insurance (97 Edition) cover? 1. During the contract period, if the insured survives to the effective date of the month, the insurance company shall pay the education insurance premium according to the insurance amount stated in the insurance policy every year; 2. Within the reasonable period of the insurance contract, if the insured survives to the age of 22 on the date of commencement of the match, the insurance company shall pay the insurance premium for self-employment according to the multiple of the insurance amount stated in the insurance policy; 3. In the insurance contract, if the insured survives to the age of 25 on the effective date, the company shall pay the marriage insurance money according to the multiple of the insurance amount stated in the insurance policy; 4. During the contract, if the insured survives to the age of 60 or above, the insurance company will pay the pension insurance according to 50 times the insurance amount stated in the insurance policy, and the validity of the contract will cease. The above three insurance liabilities can be selected at will, and each less selection in one of them can correspondingly increase the market share of the other insurance money.

The above selection is made clear by the insured at the time of underwriting, and once it is clear, it cannot be changed. In the event that the insured person dies due to accidental injury before the date of entry into force of 25 years old, or dies due to illness one year after the contract takes effect or is reinstated, the insurance company shall pay the death benefit at 10 times the amount of insurance stated in the insurance policy, and refund the insurance premium paid by the insured without interest, and the validity of the contract shall cease. In the event that the insured dies due to accidental injury or illness after the onset of the 25-year-old Rifeng Bridge, the insurance company shall pay the death benefit at 50 times the amount of insurance stated in the insurance policy, and refund the insurance premium paid by the insured without interest, and the validity of the contract shall cease.

When the insured dies due to an illness caused by internal causes within one year of the contract coming into effect or reinstating the contract, the insurance company will refund the insurance premium paid by the insured without interest, and the validity of the contract will cease.